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Save 30-60% during the Semi-Annual Shoe & Handbag Sale at JC Penney. There's shoes for everyone in the family in a variety of styles. We found the Skechers "Kuy Why" Frayed Thong for $19.99 (reg. $30).
* Hot deals expire quickly. This deal may no longer be valid.
love your shoes
We're finally getting down to the deadline on filing those taxes. After putting the final stamp and dropping yours in the mail, take a look around your area for a little tax time relief with freebies and deals from area retailers. Here's a few from some of the major chains that we've been able to dig up. Keep checking back, we'll be adding more as we find them. Enjoy! Some offers may not be valid in select areas, see stores for details.
Arby's - Free snack-sized curly fries only on 04/15/2014 w/coupon.
Great American Cookies - One free chocolate chip cookie per person. 04/15/2014 only.
Hard Rock Cafe - Free burger, sandwich or salad to anyone who will stand up & sing in front of diners. Offer valid from 5PM-7PM on 04/15/2014 only.
McDonald's - Free small coffee during breakfast hours on 04/15/2014 only.
Office Depot - Free shredding of up to 5 lb. of documents w/coupon.
Orange Leaf Frozen Yogurt - Cup of yogurt for $4.15 only on 04/15/2014 w/coupon to be released on April 15th.
Sonic - 50% off drinks & slushies all day on 04/15/2014.
Steak 'n Shake - Free Classic Shake w/purchase of $10 in gift cards. Ends 05/06/2014.
Stores: 20x200, 6pm, Amazon, Apple Store, American Eagle, Banana Republic, Best Buy, Buy.com, Dell, Eastbay, eBags, Eddie Bauer, Endless.com, Home Depot, H&R Block, Kohl's, Macy's, Old Navy, Restaurant.com, Sandals, Shoes.com, Target, Tommy Hilfiger, Toys 'R' Us, Urban Outfitters, Wal-Mart (See more)
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VIDEO: Grand Forks church added to hepatitis A watch listFargo Diocese bishop diagnosed with infection
FARGO – The Fargo Catholic Diocese's new bishop may have exposed hundreds of church members here and in Jamestown to the hepatitis A virus in late September and early October.
By: Forum staff reports, INFORUM
FARGO – The Fargo Catholic Diocese's new bishop may have exposed hundreds of church members here and in Jamestown to the hepatitis A virus in late September and early October.
The North Dakota Department of Health issued an advisory of exposure on Thursday for anyone who attended church and had communion at the following churches:
- Holy Spirit Church, Fargo, on Sept. 27.
- Cathedral of St. Mary, Fargo, on Oct. 6.
- St. Paul's Catholic Newman Center, Fargo, on Oct. 7.
- St. James Basilica, Jamestown, from Sept. 29 until Oct. 2.
- St. Michael's Catholic Church, Grand Forks, 10:30 a.m. Mass
"The risk of people getting hepatitis A in this situation is low, but the Department of Health felt it was important for people to know about the possible exposure," said Molly Howell, immunization program manager.
The diocese announced Monday that Bishop John Folda is taking some time off after being diagnosed with hepatitis A. The diocese said he contracted the infection through contaminated food while attending a conference for newly ordained bishops in Italy last month.
The Health Department began its investigation after hearing that Folda was diagnosed with hepatitis A, said Aliceyn Magelky, director of communication for the Fargo Diocese. Howell could not comment on the specifics of its investigation.
Pope Francis appointed Folda, an Omaha Neb., native, bishop of Fargo in April. He was ordained on June 19.
Magelky said as a newly ordained bishop, Folda has been traveling extensively.
The hepatitis A virus causes liver infection and is easily spread if people do not wash their hands thoroughly after using the restroom or changing a diaper or soiled sheets, then touch their mouths, prepare food or touch others with contaminated hands.
Exposed individuals are encouraged to consult their health care provider only if they develop symptoms of hepatitis A.
Symptoms include fever, tiredness, loss of appetite, nausea, abdominal discomfort, dark urine, pale stools and jaundice, according to a Health Department news release.
Although rarely deadly, the virus can cause serious illness, Howell said.
It is not recommended that people get tested if they were exposed but do not have symptoms.
There have been six cases of hepatitis A in North Dakota this year. There were two in 2012, Howell said.
The number of congregation members exposed to the virus was not available.
Folda has been out of the office due to illness since Oct. 10, but he is on the mend, Magelky said.
"He has improved greatly," she said. "He is doing just fine; he is slowly getting back to his regular schedule."
Magelky said the diocese issued pulpit announcements to each of the churches listed in the health department's release. She said they were likely included in the warning because Folda attended Mass those days and would have participated in communion distribution.
Communion is a Christian ritual in which congregation members eat bread and drink wine (sometimes grape juice), based on the belief it is or represents the blood and body of Jesus. There are many variations of how the foods are distributed among churches and denominations. For instance, at some churches all members may drink from the same chalice of wine, while other churches may give individual servings.
Magelky said she is not certain what practice the churches involved in the warning use.
Howell said regardless of how the food was administered, the food could have been contaminated during preparation.
Readers can reach Forum reporter
Wendy Reuer at (701) 241-5530
Tags: north dakota, news, updates, religion, health

subset: commoncrawl


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Please visit the Athenaeum Gallery for our newest exhibition.
October 7–June 20
This exhibition celebrates the first half century of Kennesaw State University. The institution's growth from a local junior college to a nationally regarded comprehensive University in fifty years is astounding. Much of the credit for this development must go to the individuals who have served Kennesaw in myriad capacities over the years: administrators, staff, faculty, and students who personify the "Kennesaw Spirit:" This exhibit is dedicated to those individuals who have paved the way for Kennesaw's next fifty years and beyond.
- Dr. Thomas Scott, Professor of History (emeritus) and Campus Historian
- Chris Ward, Campus Webmaster, Amos Williams, III, Enterprise Systems and Services and the University Webmasters
- Jennifer Leifheit-Little, Michael Leitmann and Audio-Visual Technology Services
- Ellen Jones, Samantha Helgesen, and University Development
- Suzy Millwood and the KSU Retiree Association
- Caryn Young, Lisa Duke, and the KSU Alumni Association
- David Arnold, Tammy DeMel, and University Relations
Finally, we would like to thank Dr. Daniel S. Papp (President of Kennesaw State University) and Dr. Randy Hinds (Vice President for Operations, CIO & CBO) for their support of the project.
- For Researchers
- Bentley Rare Book Gallery
- Archives
- Records Management
- Collecting Areas
Archives, Rare Books, & Records Management
Department of Museums, Archives & Rare Books
Sturgis Library 212-226, Building 17
1000 Chastain Road
Kennesaw, GA 30144
Phone: (770) 423-6289
Fax: (678) 797-2586
Hours: 9 - 5 pm,
Monday - Friday.
Please call (770) 423-6289 to make an appointment to visit the Archives and the Bentley Rare Book Gallery.


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Landis Cyclery South Mountain Bike & Run Classic
benefiting the Phoenix Parks Foundation
March 10, 2013, 7 a.m. to 5 p.m.
Event schedule:
South Mountain Challenge Run 8:30 a.m.
Cycling events throughout the day 7 a.m. to 5 p.m. See the full cycling schedule.
GroAZ Bike Park featuring a Pump track, Gravity Track and skills area open from 7:30 a.m. to 2:30 p.m. Races from 9 a.m to 1 p.m. -- tracks closed to public during races. See the full pump/gravity track schedule.
At the Landis Cyclery South Mountain Bike and Run Classic, cyclists and runners get to test their skills surrounded by South Mountain Park/Preserve's glorious Sonoran Desert setting while helping to support the Phoenix Parks Foundation. Cyclists also get to enjoy a pump track, gravity track and skills area set up by Gravity Riders of Arizona (GROAZ).
The event is a collaboration between the Phoenix Parks and Recreation Department, White Mountain Road Club and Running Masters to benefit the Phoenix Parks Foundation. Ten dollars of each registration will go to the Foundation, which supports parks, preserves, recreation facilities and programs in Phoenix.
The events:
- The GROAZ Bike Park that includes a pump track, gravity track and skills area for beginning and intermediate riders. What's a pump track? Check out this video of the pump track at South Mountain!
- Road cyclists in the Bike Classic can choose from a series of circuit races on a two-mile course through the roadways at base of the mountain range of the park's main Central Avenue entrance. Climbers can join a race up the park's Summit Road – an elevation gain of approximately 1,200 feet. Feeling ambitious? Do both! Cyclists can find event details at wmrc.org and register online at BikeReg.com.
- Runners can take test their fitness in the South Mountain Challenge. The event is not for the faint of heart; it's a five-mile run up the Summit Road, an elevation gain of approximately 1,200 feet. Runners then walk a popular trail back down to the start. Running race registration information is available online at runningmasters.net.
The event needs volunteers to work at water stations and registration tables and as course marshalls. Volunteers shifts are available from 6 a.m. to 6 p.m. Call (602) 534 8222 or e-mail email@example.com to register.
Thank you to our sponsors:


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Riveting, shocking.
Ahh, now this is cinema. Just got out of the matinee of this Hungarian film and I am feeling a little awe-struck. I posted earlier today about Mabo, and I couldn't help but think if only it had been given this treatment.
This is a rather bleak story, told in a very minimalist way. A family of Gypsies in rural Hungary is living in fear and paranoia after a string of murders in the local neighbourhood. This film reminded me of the two Elephants, by Alan Clarke and Gus Van Sant.
Screendaily in Berlin had this to say about director Benedek Fliegauf's second film, Dealer: "This is a test of endurance for misguided audiences seeking pure entertainment. Those accustomed to Hollywood and others' over-stylised view on drugs culture, replete with flashing guns and/or flying punches, will find it like a trip to another planet that you will never want to visit again. Those with more down-to-earth first knowledge of drug sub-culture will not be shocked by its despondent mood nor its forbidding length and instead appreciate Flieghauf's remarkable achievement."
The same can be said for Just the Wind. Most of the movie is silent, the camera following its protagonist as they walk through the woods. But it pulls the audience in with the constant threat of violence. And the result is enthralling. Check it out for some compassionate, intelligent, gripping cinema that doesn't tell you how to think.
Next chance to see it – 4:30 Sunday June 10.


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|Celebrating the 10-year anniversary of the Clean Indoor Air Ordinance and World No Tobacco Day 2012 in El Paso
El Paso, TX, May 29, 2012 (PAHO/WHO) – According to studies from the World Health Organization (WHO) Tobacco use is one of the leading preventable causes of death. The global tobacco epidemic kills nearly 6 million people each year, of which more than 600,000 are people exposed to second-hand smoke. In an attempt to reduce these statistics every year World No Tobacco Day is celebrated. In addition, to commemorate the 10-year anniversary of the "Comprehensive Clean Indoor Air Ordinance §014878" passed in El Paso, Texas on 2001, the Pan American Health Organization/World Health Organization (PAHO/WHO) U.S.-Mexico Border Office congratulates the City of El Paso for the efforts that have been made during the past 10 years to keep the city's indoor air clean. To keep up with the celebration, the City Council of the El Paso, proclaimed that May 31, 2012 shall be known as: "El Paso World No Tobacco Day."
Since January 2nd, 2002 the citizenry, the El Paso Police Department, the El Paso Fire Department and the El Paso Department of Public Health have enforced the indoor smoking ban in the Sun City. Furthermore, the Pan American Health Organization/World Health Organization (PAHO/WHO) United States-Mexico Border Office in collaboration with the Paso del Norte Health Foundation, the City of El Paso, the City of El Paso Department of Public Health, the Texas Department of State Health Services, and A Smoke Free Paso del Norte Network, through acknowledgement and celebration of World No Tobacco Day 2012 encourage all communities and decision-makers at the local, state and national levels to empower themselves by monitoring tobacco use and prevention policies, protecting people from second-hand smoke, offering help to quit tobacco use, warn about the dangers of tobacco, enforce bans on indoor smoking, bans on tobacco advertising, promotion and sponsorship, and raise taxes on tobacco and novel products containing nicotine equally.
This year the World No Tobacco Day theme is: "tobacco industry interference." The campaign will focus on the need to expose and counter the tobacco industry's brazen and increasingly aggressive attempts to undermine the WHO Framework Convention on Tobacco Control (WHO FCTC) because of the serious danger they pose to public health. Unless action is taken, tobacco use will kill up to 8 million people by 2030, of which more than 80% will live in low- and middle-income countries.
World No Tobacco Day (499.55 kB)
For more information please contact:
Lorely Ambriz, M.S.I.S, Knowledge Management & Communication
Pan American Health Organization (PAHO) / A Regional Office of the World Health Organization (WHO) United States-Mexico Border Office
5400 Suncrest Dr. Ste. C-4 El Paso, TX 79912
Office (915) 845-5950 Ext. 42523 / Cel (915) 449-3040 / Fax (915) 845-4361
5400 Suncrest Dr., Suite C-4, El Paso, Texas 79912, United States of America


text: Discover how poets seek union with the Beloved and explore the essence of sacred sound. For centuries, vibrations of sacred poetry, sacred music, and the Yoga of deep listening (Nada Yoga) have been gateways both to exploring spiritual yearnings and to awakening hearts. Jeffrey Davis will lead us in a discovery of how poets seek union with the Beloved, and will guide our own exploration of longing. With music and words, Steve Gorn will help us explore the essence of sacred sound: the Sanskrit proverb, 'the universe hangs on sound.'


text: (WGR 550) -- With the rookie wage scale in place, there really isn't too much room for negotiations with most draft picks just being slotted in to their contracts. Like many other teams in the NFL, the Buffalo Bills are taking advantage of that by swiftly coming to terms of an agreement with the majority of their draft picks. On Friday, the Bills announced they've signed four more draft picks to their inaugural contracts in the NFL. Wide receiver Marquise Goodwin (third round, Texas), safety Duke Williams (fourth round, Nevada), safety Johnathan Meeks (fifth round, Clemson) and kicker Dustin Hopkins (sixth round, Florida State) are now all signed to their rookie deals. Buffalo now has five of their eight selections under contract from the 2013 NFL Draft. The unsigned players remaining were the top three picks of the Bills through the first two rounds. Florida State quarterback E.J. Manuel (16th overall), USC wide receiver Robert Woods (41st overall) and Oregon linebacker Kiko Alonso (46th overall) all have yet to agree to terms. However, all eight draft picks and the team's 16 undrafted free agents will be on the field throughout the weekend for the team's annual rookie minicamp. The minicamp extends from Friday, May 10 through Sunday, May 12. It is not open to the public. Keep checking back to WGR Sports Radio 550 and WGR550.com for all the latest on the Bills and their offseason workouts. Twitter: @JoeBuscaglia


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2012 1 oz Silver Australian Year of the Dragon Coin (Lion Privy)
We provide all our customers with a refund, return and/or exchange policy on everything we sell including all bullion and certified coins. If for any reason you have a problem, please feel free to call our offices. We will always do our best to accommodate you.
|Bid: $19.35
|Ask: $19.45
Volume Pricing
Quantity Notification
Product Description
Lion Privy!
In the Chinese Lunar Calendar, 2012 is the Year of the Dragon. The dragon is known for its strength, beauty, and noble nature. These traits are flawlessly portrayed in the Perth Mint's 2012 Year of the Dragon coin. Not only is the dragon the only mythical creature in the Chinese zodiac, it is also one of the most popular. This Silver coin is in its original plastic capsule from the Perth Mint.
Find the best Silver value at APMEX. We offer low Silver prices and a wide selection of Silver coins to make buying Silver online easy.
APMEX stands behind every product it sells with a satisfaction guarantee.
Product Specifications
|Product ID:
|Mint Mark:
|P - Perth Mint
|Brilliant Uncirculated
|45.6 mm
|2.6 mm


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Return to EBC Contoured Brake Rotor, Front Product Page
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Comments On Sep 23, 2013:Long lasting brakes
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Comments On Aug 19, 2013:First week I had this on it bent... After I straightened it with a pair of pliers it has worked ok since. Will not purchase again.
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Comments On Dec 30, 2011:Excellent quality product. Fitted to KTM 450 EXC. Looks good on the bike. Fitted up without an issue. I had to slightly ream out the hole for the speedo magnet with a small file. This would be due to this disk appearing to be slightly thicker than a standard disk.
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Comments On Jan 12, 2011:Slightly heavier than stock, hopefully stronger (bent my original), more contact with brake pads, gold'ish color improves aesthetic appearance, brake feel is similar/same as stock.
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Comments On Nov 28, 2007:nice wave rotor for the price. much tougher than the stocker i mangled on yz450. make sure you swap pads when you swap rotors or you will ruin the rotor
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Comments On Nov 06, 2007:This rotor is great. It works and looks better than stock, and at a great pice.
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LAST SUMMER, when the Pharmaceutical Research and Manufacturers of America issued its Code on Interactions with Healthcare Professionals, there was some grumbling that medical device companies were still off the hook when it came to wooing docs with big-budget events and gifts. Not anymore. The device industry drafted its own set of ethical guidelines, which were released by Washington, D.C.-based Advanced Medical Technology Association this summer. The AdvaMed Code of Ethics on Interactions with Healthcare Professionals covers education and training of healthcare professionals, as well as sales and promotion, gifts, consultancies, and reimbursement support for new medical technologies. The final version will go into effect September 1.
Although it bears considerable likeness to the PhRMA Code, the AdvaMed Code also has a few striking differences. Elizabeth Carder-Thompson, partner, Reed Smith LLP, Washington, D.C., and who assisted AdvaMed in drafting the Code, says, "While the Office of Inspector General's anti-kickback guidance applies equally to the drug and device industries, these are very different industries. The association wanted to ensure that the differences were taken into account."
What's the Same?
Section 3 of the AdvaMed Code, which deals with supporting third-party educational conferences, reads much the same as the corresponding section of the PhRMA Code. The manufacturers can provide funding to support healthcare professionals' training, as long as they provide the subsidy directly to the meeting sponsor or educational institution. Control over content lies strictly with the meeting organizer in both codes, and both stipulate that the meeting's purpose must be to promote "objective scientific and educational activities and discourse." And while the PhRMA Code does not explicitly say so, both allow faculty expenses to be supported financially. Both allow for meals and receptions, called "hospitality" in the AdvaMed Code, provided that such activities remains reasonable and subordinate to the purpose of the meeting.
While the PhRMA Code says that companies can't provide financial support directly to non-faculty healthcare professionals for third-party conferences, the AdvaMed Code only says that grants given to conference organizers could be used "to allow attendance" and "to reimburse the legitimate expenses for bona fide educational activities" for residents and others in training, without specifically mentioning travel, lodging, or personal expenses.
Both codes require gifts to healthcare professionals to be for the benefit of either patients or the person's practice. "Logoed golf balls are definitely out," says Carder-Thompson. While both say that items that benefit patients have be worth less than $100, the AdvaMed Code excludes textbooks and anatomical models from that rule.
What's Different?
There's no speaker training section in the AdvaMed Code, but healthcare professional training is a different story. "There's a much greater need for hands-on training on surgical and other devices than there is for drugs," says Carder-Thompson.
The Food and Drug Administration often mandates training on some types of devices, and the AdvaMed Code details where and how training sessions can be held. While device companies can pay for "reasonable travel and lodging costs" for trainees, guests have to go on their own dime. However, the AdvaMed Code says it "may be appropriate for guests to participate in group hospitality, provided that the incremental costs … are nominal." "The PhRMA Code does not allow this, and AdvaMed does in the context of training meetings," she says. "Reasonable minds can differ on whether this is appropriate."
In both codes, it's permissible at promotional meetings. to provide occasional, modest meals for participants, but not for guests. The PhRMA Code states that "no entertainment/recreational events" may be offered, whereas the AdvaMed Code just says that "other occasional modest hospitality … that is conducive to the exchange of information" is acceptable. "The AdvaMed Code is not as specific on this point," says Carder-Thompson. "I know a number of companies that, even though the AdvaMed Code permits modest hospitality in the context of a sales meeting, aren't allowing it." The AdvaMed Code adds that device firms can pay "reasonable travel costs of attendees when necessary (e.g., for plant tours or demonstrations of nonportable equipment)." Travel is not mentioned in the PhRMA Code in this context.
Why Should You Care?
Other than preventing your company from landing on the front page of The New York Times as an example of industry run amok, there are other reasons you should comply with the new AdvaMed Code, which, like the PhRMA Code, is voluntary. While neither PhRMA nor AdvaMed will police the next meeting you support, the federal anti-kickback statute is a felony statute. Says Carder-Thompson, "The real policing in this case comes from the OIG."
How do the PhRMA and AdvaMed codes factor into this? The OIG Guidance that was released this spring states that adherence to the PhRMA Code, and presumably by extension the AdvaMed Code, should substantially reduce the risk of a manufacturer's being found to have violated the anti-kickback statute and other healthcare fraud and abuse laws, says Carder-Thompson. "While it's highly unlikely that the OIG is going to prosecute the gift of a fruit basket, ignoring the PhRMA or AdvaMed codes could indicate to the OIG that you are more interested in activities that could be viewed as problematic under the anti-kickback statute than in compliance."
For more on the OIG pharma marketing guidance, see page 20.


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Diagnostics Assessment Programme manual
NICE's Diagnostics Assessment Programme assesses technologies that evaluate a patient's condition. These technologies may be used for various purposes: diagnosis, clinical monitoring, screening, treatment triage, assessing stages of disease progression, risk stratification and so on. The Programme manual describes how the NICE Diagnostics Assessment Programme develops guidance. The manual also describes the principles and methods used to assess diagnostics. The Programme is designed to ensure that robust guidance is developed for the NHS in an open, transparent and timely way, allowing appropriate input from stakeholders.
The manual has been developed with substantial input from individuals and organisations within the NHS, the medical technologies industry, academia, patient and carer organisations and the Department of Health. Comments resulting from public consultation are provided below.
Diagnostics Assessment Programme manual
Consultation comments on the manual
Interim addendum to the diagnostics assessment programme manual on access proposals
This manual is effective for all diagnostic evaluations started after 1 January 2012. For evaluations started before that time, the interim methods statement and the interim process statement are still effective.
Interim methods statement (programme)
This page was last updated: 22 November 2013


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Biosurveillance requires the gathering and interpretation of large amounts of data in order to achieve detection and early warning of health threats, whether natural or intentional, and allows for situational awareness of disease activity. The flexibility of the open-architecture xMAP® chemistry enables large numbers of biological tests (bioassays) to be conducted and analyzed quickly, cost-effectively and accurately. No other solution addresses the needs of applications requiring both high density and high throughput at the same time. The Luminex technology allows for advanced diagnostics and environmental detection capabilities against a full spectrum of disease and threat agents.
Luminex Products
For more information, please contact:
Matthew J. Lesho, Ph.D.
Director, Government Business Development
[email protected]
(512) 348-2386


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The Friends of the Phoenix Public Library is a nonprofit organization whose mission is to promote, enhance, and expand the presence of the library for the benefit of the community. We do this by bringing together concerned citizens, the business community, and organizations to develop fiscal resources, programs, and to create public awareness and to serve as an advocate for the library system.
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100% to charityPicture This: A Novel, Sheehan, Jacqueline, Good Condition, Book
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3232 16th St, San Francisco, CA | Directions 9410337.764849 -122.424949
Monday 4:10 PM - 11:00 PM
Tuesday 4:10 PM - 11:00 PM
Wednesday 4:10 PM - 11:00 PM
Thursday 4:10 PM - 11:00 PM
Friday 4:10 PM - 11:00 PM
Saturday 1:30 PM - 11:00 PM
Sunday 1:30 PM - 11:00 PM
Neighborhoods: Central, Mission Dolores (Hub, Mid-Market), Mission Dolores
Good food, Good price, Good service – This is my favorite local sushi place. It is the very best sushi I've had for the price. They could certainly charge MUCH more. It is definitely the best sushi in the neighborhood. The service is friendly too. It is a small restaurant with only a few tables in front, a sushi bar, and a few tables in back. The atmosphere is quiet and the decor is simple. Frequently the owner comes to our table to greet us. I really like the gyoza and the fried crab appetizers. They have some very creative rolls as well. Ok, this is not high-end sushi, but you can't expect that for the prices they charge. The other two affordable sushi places in the immediate area (Yo Yo and We Be) are cheaper but they both serve terrible food. You can get better sushi in the city if you want to pay $$$$. However, this really is the VERY best quality sushi I've had in this price range.
WAY too expensive! – First off, when chirashi (assorted sashimi slices over sushi rice) is $14.50, I expect it to be fresh fish with a good assortment for that price. It was not. I got 4 types of fish with 3 slices each. That is extremely little. Salmon, tuna, hamachi (i think) and some other white fish. Texture wise, a bit on the tough side except the hamachi. Miso tasted too diluted. Usually I can't finish a chirashi dinner or I'll be way too full afterwards. I was still HUNGRY! Since I got it for delivery, the guy made me order a $20 minimum (even though it says it's a $15 minimum). So I also ordered a rock n roll roll. $8 for 8 pieces is completely not worth it. (try yum yum sushi on irving. 6 pieces, $3) But I thought I'd give it a try. I had to polish the whole thing off with the chirashi to be full. The actual roll was not that great. The eel was old, chewy, and oily. Lastly, when I ordered, they told me it would get here in 30 min, 45 min the latest, but most likely 30 min since they weren't busy at all. I waited an hour! totally not cool. He also didn't give me a total. In my mind $14.50+$8.00=$25 with tip.(Unfortunately I forgot to add the tax, completely my mistake). So I only gave the guy $25 when he got here and he audibly exclaimed "Oh My God!" before I could even apologize and ask him to wait so I could get a few more dollars. So forget that! I don't need rudeness + expensiveness + not top quality food. That all equals to me never ordering from them again. Unless I am dumb enough to forget, which then I would deserve it. If they're prices were a good $3 less for everything, I might consider ordering again. But until then, I'd rather just avoid all of them.
Perfect for sushi delivery – I've tried to have sushi delivered from a couple of places before, and it was always a nightmare.
In contrast, Crazy Sushi delivers delicious, fresh sushi, super fast. It is a little expensive, but definitely worth it. Be sure to check out their menu to see some of their unique roll creations, and always be sure to ask about the specials of the day.
I highly recommend the crispy roll - delicious. And, if you're not in the sushi mood, their Chicken Teriyaki is also very unique and delicious.
I've already had them deliver to me over a dozen times, and it's been fresh and delicious every time. You can access their menu at crazysushisf dot com
it's wonderful – This is my favorite sushi. The food is good , nice and fresh and the price is resonable. Parking is hard sometimes on the weekend.
That Not-So-Fresh Feeling – A search for sushi in the Mission lead to this place. The menu read well and we were excited to try it out, however, we left extremely disappointed. The experience started out decently with some sake and a tasty Eggplant Salad though non-traditional Gyoza, which can be fine, were covered in a viscous, overly sweet, sticky sauce. It was a miss. The service was attentive and considerate, but was over the top and in your face.
Though inventive, the sushi lacked freshness. The fish was noticeably discolored, and some plastic wrap used for rolling remained on several pieces. Throughout the meal we were afraid this might become the nightmare bad raw fish experience.
Overall this was a bad experience and I would not recommend it to anyone. Fresh sashimi is the key to good sushi and Crazy Sushi simply didnt deliver enough to warrant a repeat visit.
TIGHT – when you don't want to go outside and want food delivered into your mouth, call their delivery. i tried raja before and they were rudely reluctant to deliver. here, they were so excited to deliver. food isn't GREAT but not bad for quick delivery and extremely friendly service and cheap sushi. sashimi wasn't bad. thanks for being quick and friendly. i like foods.
Good Sushi – I've been here for once but for sure i will come back. They are friendly, good sushi.
Wow!!! – I love this place. After trying sushi restaurants in Concord, Rockridge and San Francisco I have decided I like Crazy Sushi the best. They have orginal rolls, like the Deep Fried Roll that I love!! The owner and waitresses are great, prompt and very helpful. They are willing to make things not on the menu if you happen to want something else. I recommend this place to all my friends.
Delicious Sushi – WOW! We loved this place. Delicious creative sushi in addition to the normal nigiri and maki.
Highly recommend Crazy Sushi. One taste and you'll always want to come back for more.
Try the 16th street and the Lesbionic, and the deep-fried roll...you will not be disappointed!
Good value for Fun sushi! – I have been back to this place many times, and i will definitely go back again. The waitress was friendly and the owner was nice as well. They have the traditional nigiri sushi and they also have sushi with their twist on it. It very good for the price and for the food they serve. I go there when I don't want to cook and I just want good eat and not for a lot of $$. The environment is cozy and comfortable.
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1958 Mercedes-Benz 220SE "Ponton" Coupe '58 Mercedes-Benz 220SE "Ponton" Coupe – in blue with grey interior. Though it is missing its transmission, it is a... More
During the late 1950s Mercedes-Benz was evolving quickly and was well on its way to becoming the foremost manufacturer of luxury and near-luxury automobiles... More
1959 Mercedes Benz 220S Ponton Coupe '59 Mercedes Benz 220S Ponton Coupe, blue with red interior, automatic, very original car, sitting for many years, great... More
1958 Mercedes 220S Ponton Cabriolet Dark Blue with Tan interior. Excellent original car. Mechanically superb. For only $79,500. ... More


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Changes related to "User:GSriram"
From OpenWetWare
This is a list of changes made recently to pages linked from a specified page (or to members of a specified category). Pages on your watchlist are bold.< User:GSriram
21 April 2014
|Sriram Lab:Back Door (diff; hist) . . (-13) . . Yuting Zheng (Talk | contribs) (→Lab meeting schedule, Spring 2014: )


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Would like to know this also.
They used to have a %15 off promo but it doesnt seem to work now
Would like to know this also.
If you have multiple e-mails, you could get a 15% one-time coupon for each registered e-mail with BE. Worked not too long ago for me with an e-mail sent to my inbox. After one use, it's no go with the same e-mail.
They haven't offered a 10-15% off discount code in quite a while. Now they seem to only offer discounts on specific brands and clearance items.
If you're buying a Creed, don't forget they shave Creed serial numbers off (or did, as of last year).
Current Top Ten:
1. Creed Millesime Imperial
2. Serge Lutens Chergui
3. Hermes Concentre d'Orange Verte
4. Creed Virgin Island Water
5. Chanel Eau de Cologne
6. Thierry Mugler Pure Havane
7. Van Cleef & Arpels Pour Homme
8. Bulgari Blu
9. Bond No. 9 New Haarlem
10. YSL Kouros


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Go rafting on your vacation! Experience the thrill of a lifetime on our Slovenia whitewater rafting tours. If you are looking for excitement take our rafting trips that will surely be the highlight or your vacation. Our Slovenia river rafting will get your adrenaline pumping and have you sitting on the edge of your seat. Professional guides will take you safely down the river. If whitewater rafting is too intense novice rafters can enjoy riding down calmer rivers. Our rafting adventures may be the most fun you ever experience. Browse our Slovenia rafting and plan your vacation today!
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Kobarid, Slovenia Rafting Trips - Rafting is an adventure sport where you can enjoy a combination of nature, sport and team spirit. Enjoy rafting on beautiful Soca river with us!
Bovec, Slovenia Rafting Trips - If you want some unforgatable moment on your holiday, just come to Bovec, have a rafting trip and enjoy the enthralling emerald-green radips of Soca, beautifull, scenery, or other whitewater activities.
Slovenia, Slovenia Bike Tours - Join our leisurely paced eight-day adventure, cycling through beautiful mountain valleys, lush vineyards, and picturesque olive groves toward the progressively warmer climates of the Adriatic coast
Slovenia, Slovenia Bed & Breakfasts - Family hotel, pension Lectar****, Restaurant Museum- living ginger bread workshop
Bled, Slovenia Bed & Breakfasts - Every room has a bathroom with a toilet, shower, cable TV, internet (cable, wireless) and a balcony. We offer self-service breakfast with wide selection of food. Free computer with internet use for our guests.
Ljubljana, Slovenia Golf - Golf many courses in Slovenia, with excellent local guides. Experience the culture, from medieval castles to modern casinos, on your custom-designed tour. Stay at local inns, meet local folks, travel with your own group of 4 or more people.


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Alliant Reloder 17 Smokeless Powder
Suggested Products
- Frankford Arsenal Peel and Stick Reloader's Labels... $8.99 Out of Stock, Backorder OK
- Frankford Arsenal DS-750 Electronic Powder Scale 750 Grain... $29.99 Available
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Due to extremely high demand for smokeless powder, shipping times have been extended. PLEASE NOTE: Powder ships separately approximately 4 to 6 weeks after order is placed. $27.50 Haz Mat plus $9.99 Shipping fees apply. Powder cannot be returned, 48 lb max, ground freight only, adult signature required. Sorry no shipments to HI or AK.
Product Information
With a similar burn speed to IMR's 4350 powder, Reloder 17 was designed for short magnum cases but can also be used in medium rifle loads. With Reloder 17 reloaders have a powder that meters easy and consistently while providing maximum velocity even in extreme weather. This consistent performance is what reloaders have come to expect from Alliant Powder - and Reloder 17 proves worthy.
Warnings from the Manufacturer:
Customer Reviews
The statements and opinions expressed within Customer Reviews reflect each author's personal perspective and do not imply endorsement by MidwayUSA, its Employees or any other organization. Customers should in no way infer that MidwayUSA has validated review information as safe, accurate or appropriate.
We reserve the right to correct typographic, photographic and/or descriptive errors.


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So much has happened since our last visit to Wernham Hogg. David Brent released a pop single, Gareth was promoted and Tim said goodbye to Dawn. Now we follow laidback entertainer David as he hits the road in search of fame, fortune and romance. He is promising to show off his new girlfriend at the office Christmas reunion. The only problem is he doesn't have one yet. Meanwhile, Tim is battling with a new colleague, and some old feelings.
Bachelorette rap video
|Top Chef|'s Brooke and Kristen mix it up with cocktails
Exclusive: See a first look promo at Secret Life's final season
Exclusive Covert Affairs Sneak Peek |Covert Affairs|
Glee Exclusive: Finn gets help from familiar faces |Glee|
Fringe: How Will the Team Deal with Etta's Death? |Fringe|
The Vampire Diaries Bite: Damon becomes an alluring draw for Elena
Andy Cohen's Watchlist |Andy Cohen|
The Vampire Diaries Bite: How many Damon-centric memories come back to Elena?
Nashville Sneak Peek: Rayna and Deacon discuss their past
On the set of Parks and Recreation |Parks and Recreation|
Watch the new cold open for The Vampire Diaries Season 4
Grey's Anatomy Season 9 Trailer |Grey's Anatomy|
Revenge: Amanda threatens Emily to keep their secret from Jack |Revenge|
Watch a clip from |The Big Bang Theory|
Download the TV Guide app for iPhone, iPad and Android!


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Welcome to the Wonderful World of Decorating Stencils! Royal Design Studio has been the leading stencil designer of wall, furniture, floor, and fabric stencils online since 1994. We continue our mission to share our passion for paint and stencil patterns by offering you the latest design trends and decorating ideas with stencils.
We design and manufacture modern wall stencils, Moroccan wall stencils, exclusive stencil designs, furniture stencils, stenciling supplies, decorative painting tools and techniques for faux painting, and stenciling educational resources for professional decorative painters, interior designers and home decorators. Our designer stencils are reusable, cut from the highest quality durable mylar plastic, and allow you to create custom stencil design wallpaper looks, decorate ceilings with stencil designs, and create custom stenciled floors and painted patterned furniture. Visit us often for new stencil ideas and inspiration on our Stencil Ideas Blog! Browse our flower stencils, border stencils, allover pattern stencils, damask stencils and new stencils designs now!


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Yoga vs. Physical Therapy vs. Education for Chronic Low Back Pain in Minority Populations
This study is ongoing, but not recruiting participants.
Boston Medical Center
Information provided by (Responsible Party):
Robert B Saper, Boston Medical Center
ClinicalTrials.gov Identifier:
First received: April 20, 2011
Last updated: December 20, 2013
Last verified: December 2013
- Full Text View
- Tabular View
- No Study Results Posted
- Disclaimer
- How to Read a Study Record
Show Detailed Description
A randomized controlled trial for chronic low back pain in predominantly minority populations with three treatment arms: yoga, physical therapy, and education. Four cohorts of participants will be randomized in a 2:2:1 ratio (yoga:physical therapy:education). Primary outcomes are pain intensity and measure of disability; secondary outcomes are pain medication use, treatment adherence, and health-related quality of life.
Back Pain Lower Back Chronic
Behavioral: Yoga Class
Behavioral: Physical therapy
Behavioral: Education
Phase 2
|Study Type:
|Study Design:
|Allocation: Randomized
Endpoint Classification: Efficacy Study
Intervention Model: Parallel Assignment
Masking: Open Label
Primary Purpose: Treatment
|Official Title:
|Yoga vs. Physical Therapy vs. Education for Chronic Low Back Pain in Minority Populations
Resource links provided by NLM:
MedlinePlus related topics: Back PainU.S. FDA Resources
Further study details as provided by Boston Medical Center:
Primary Outcome Measures:
- Change from Baseline in Average Pain intensity in previous week [ Time Frame: 12 wks ] [ Designated as safety issue: No ]Intensity of pain in previous week as measured on a 10 point numerical scale (0-10).
- Change from Baseline in Modified Roland Morris questionnaire for Back pain specific disability [ Time Frame: 12 wks ] [ Designated as safety issue: No ]Utilize modified 23 point scale standardized Roland Morris questionnaire to asses back pain specific disability.
Secondary Outcome Measures:
- Change from Baseline in Pain Medication use in the previous week [ Time Frame: 12wks ] [ Designated as safety issue: No ]Specific self reported pain medication use in previous week.
- Treatment adherence (class attendance) [ Time Frame: 12 wks ] [ Designated as safety issue: No ]Assess treatment adherence according to attendance during 12 week intervention period.
- Number of participants with Adverse Events as a measure of safety and treatment adherence [ Time Frame: 12wks ] [ Designated as safety issue: Yes ]Identify and assess self reported and unanticipated adverse events over the course of the study as a measure of safety and treatment adherence.
- Change from Baseline for Health related Quality of Life using SF-36 survey [ Time Frame: 12wks ] [ Designated as safety issue: No ]Use standardized Quality of life SF-36 questionnaire.
|Estimated Enrollment:
|Study Start Date:
|June 2012
|Estimated Study Completion Date:
|November 2014
|Estimated Primary Completion Date:
|February 2014 (Final data collection date for primary outcome measure)
|Assigned Interventions
Active Comparator: Yoga Class
12 week yoga intervention plus 40 weeks of either drop-in classes or home practice.
Behavioral: Yoga Class
Standardized 12 week Hatha yoga intervention developed specifically for chronic low back pain in adult populations; classes meet once a week at community health centers.
Active Comparator: Physical Therapy
15 sessions over 12 week intervention period plus 40 week maintenance of either 5 booster sessions or home practice.
Behavioral: Physical therapy
12 weeks of individual physical therapy. Weeks 1-5, 2 sessions per week. Weeks 6-8, one session per week. Weeks 9-12, one session every other week. Total of 15 sessions.
Active Comparator: Education
Education using "The Back Pain Helpbook" which gives exercises and tips for self-care pain management.
Behavioral: Education
Education intervention receives "The Back Pain Helpbook" and periodic newsletters addressing back pain and self care. Also, continue with usual care.
Show Detailed Description
|Ages Eligible for Study:
|18 Years to 64 Years
|Genders Eligible for Study:
|Accepts Healthy Volunteers:
Inclusion Criteria:
- Current non-specific low back pain persisting for at least 12 weeks
- 18-64 years old
- Mean low back pain intensity for the previous week of 4 or greater on a 0 to 10 numerical rating scale (0=no pain to 10=worst possible pain)
- English fluency sufficient to follow treatment instructions and answer survey questions.
- Willingness to list comprehensive contact information for at least one (preferably two) friend, family member, or work colleague who will always know how to contact the participant.
Exclusion Criteria:
- New CLBP treatments started within the previous month or anticipated to begin in the next 3 months
- Known pregnancy
- Inability to understand English at a level necessary to understand treatment instructions and survey questions
- Previous back surgery or back fracture
- Specific CLBP pathologies (including spinal canal stenosis, severe scoliosis, spondylolisthesis, ankylosing spondylitis, large herniated disk)
- Severe or progressive neurological deficits
- Sciatica pain equal to or greater than back pain
- Active or recent cervical radiculopathy
- Active or planned worker's compensation, disability, or personal injury claims
- Lack of consent
- Significant participation in yoga or physical therapy in the last six months
- Has read The Back Pain Helpbook or the Back Book in the previous six months
- The principal investigator judges the participant to be unable to participate in the study due to serious medical and/or psychiatric comorbidities
- Has previously participated in the Yoga Dosing Study or the Physical Therapy Pilot
- Plans to move out of the Boston area in the next year
Contacts and Locations
Please refer to this study by its ClinicalTrials.gov identifier: NCT01343927
|United States, Massachusetts
|Boston Medical Center
|Boston, Massachusetts, United States, 02118
|Dimock Health Center
|Boston, Massachusetts, United States, 02119
|Codman Square Health Center
|Dorchester, Massachusetts, United States, 02124
|Upham's Corner Health Center
|Dorchester, Massachusetts, United States, 02125
|Dorchester House MultiService Center
|Dorchester, Massachusetts, United States, 02112
|Greater Roslindale Medical and Dental Center
|Roslindale, Massachusetts, United States, 02131
|South Boston Community Health Center
|South Boston, Massachusetts, United States, 02127
Sponsors and Collaborators
Boston Medical Center
|Principal Investigator:
|Robert B Saper, MD, MPH
|Boston University School of Medicine/ Boston Medical Center
More Information
Additional Information:
Keywords provided by Boston Medical Center:
Additional relevant MeSH terms:
ClinicalTrials.gov processed this record on April 22, 2014
Additional Information:
Saper RB, Sherman KJ, Cullum-Dugan D, Davis RB, Phillips RS, Culpepper L. Yoga for chronic low back pain in a predominantly minority population: a pilot randomized controlled trial. Altern Ther Health Med. 2009 Nov-Dec;15(6):18-27.
Saper RB, Boah AR, Keosaian J, Cerrada C, Weinberg J, Sherman KJ. Comparing Once- versus Twice-Weekly Yoga Classes for Chronic Low Back Pain in Predominantly Low Income Minorities: A Randomized Dosing Trial. Evid Based Complement Alternat Med. 2013;2013:658030. doi: 10.1155/2013/658030. Epub 2013 Jun 26.
|Responsible Party:
|Robert B Saper, Robert B. Saper, MD MPH, Boston Medical Center
|ClinicalTrials.gov Identifier:
|NCT01343927 History of Changes
|Other Study ID Numbers:
|Study First Received:
|April 20, 2011
|Last Updated:
|December 20, 2013
|Health Authority:
|United States: Institutional Review Board
Keywords provided by Boston Medical Center:
Chronic low back pain
Community health center
Physical therapy
Minority populations
Health education
Additional relevant MeSH terms:
Back Pain
Low Back Pain
Neurologic Manifestations
Nervous System Diseases
Signs and Symptoms
ClinicalTrials.gov processed this record on April 22, 2014


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Feel most alive when deep in the barrel? The Save The Waves T-Shirt protects those waves by donating five dollars from every full-price shirt sale to Save the Waves (savethewaves.org). Artwork by Jordan Minardi is printed using PVC- and phthalate-free inks; long-staple organic cotton T-shirt is ringspun for softness and durability.
- Ringspun long-staple organic cotton for softness and durability
- Screen-print inks are PVC- and phthalate-free
- Taped shoulder seams for comfort and fit retention
- Artist: Jordan Minardi
- 5.4-oz 100% organic cotton
- 187 g (6.6 oz)
- Made in Mexico.
Organic cotton is produced using techniques that are healthy and safe for the environment and the people who work and live near the fields where it's grown. Organic cotton is never grown with synthetic chemical fertilizers, pesticides, herbicides or defoliants, nor is it genetically modified in any way. Read more


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April 23, 2013
Cale Elementary School in Albemarle County is teaching Spanish to kindergarteners. Cale is the only school in the county teaching Spanish where they get 90 minutes of instruction each week.
Throughout class time, students are repeating words and talking to Marisol Martinez, the Spanish Teacher at Cale Elementary School, in Spanish. Martinez speaks only in Spanish to the students. They are submerged into the Spanish language for 90 minutes a week.
The program is new to Cale this year. They used to watch videos for their Spanish enrichment.
Lisa Jones, Principal at Cale Elementary School, said, "In the past, we have always had some sort of Spanish program but it's been done with a video. So, what we decided is that we could do this a little different. We moved from what was about a 15-30 minute video that was actually being taught in English to teach Spanish to doing 90-minutes a week with students being taught in Spanish."
Martinez said, "At the beginning they looked at me with their blank eyes and they didn't understand what I was saying. Now, they are used to my way of speaking and my speed. So, now they understand more and they're engaged and having fun with the class."
The kindergarten teachers all work together as a team to decide what subjects will be covered. The students learn each subject twice, once in English and once in Spanish.
Martinez said, "That way they know what we're talking about but at the same time they acquire new vocabulary in Spanish. It helps them get the vocabulary and at the same time practice the skills again. The teachers, we get together once a week to decide what we are going to teach together. We talk about the strategies we'll use and we talk about different activities."
Students are not only learning a new language but, they learn about a new culture. The skills then carry over into all aspects of their lives.
Jones said, "Our goal is to continue to grow on it and to make it a little bit more next year and to add it into first grade. I know that our school board is really interested in world languages. I know the success of Cale's program will, I think, be influential in helping other schools get it as well."
The Albemarle County School Board has said they will consider adding world language instruction in all of the elementary schools in the future.
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|Royal Hunt Paper Blood
|Frontiers Records
Royal Hunt have a significant history behind them and have managed to stay on top of their game with some very consistent records especially in recent years, thanks largely to the powerhouse vocals of John West and the musical collaboration between West and band dictator Andre Andersen.
Their best record to date would remain to be The Mission, after Eye Witness impressed, but didn't quite match the quality of that epic release.
Paper Blood comes at a time when the band needed to re-stamp their authority on the European melodic metal scene, given that there is ever increasing competition in this field.
It comes also after another line-up change band stalwart Steen Mogensen moved on to Cornerstone full-time and guitarist Jacob Kjaer disappeared. In place of Jacob is Marcus Jidell, the man behind the epic metal concept record The Ring.
For whatever reason, no bass player is listed on the album credits. Agreed, Steen would be a hard man to replace, but the album doesn't lack any bottom end. Who provides that?
To the music at hand For the most part, Paper Blood is a cracking hard rock record which gets better each and every listen. Production is first rate, the vocals of John West are simply stunning and more melodic than ever, and the song line-up exudes more energy than most bands could conjure from their entire career on the vocal tracks at least.
The selection of Jidell for guitar is an inspired choice, as his chops both fast and slow are perfect foil for the intricate styling of Andersen's keyboards. But in my opinion, the star of this show is West, whose voice is simply perfect for the material. His lead vocal power is up there with Jorn Lande and Glenn Hughes and the harmony vocals are as lush as any Jim Steinman production.
This leads me to my problem with the album. There is one major flaw as far as I see it. Of 10 new tracks featured on Paper Blood, 3 are instrumental. Those 3 tracks take up some 17 minutes of precious album time.
Note to Andre Andersen if this is what floats your boat make a solo album. You have John West in the band for a reason use him!
I buy a Royal Hunt album for the very reason which this album delivers on for 7 tracks. But the other three are simply high-powered twiddle and at best are self-indulgent on the part of Andersen.
Particularly annoying is the placement of these instrumentals. The album gets off to an absolute flyer with the intense hard rockers Break Your Chains and Not My Kind, only to be halted in its tracks by an instrumental at track 3. The album gets back in track with the fast and furious Never Give Up and the darker and more dramatic flair of Seven Days, only to again be halted by instrumental #2 at track 6.
The album overall (especially on the vocal tracks) has a real dramatic flair. Whether it be the emotional delivery of West's vocals, or the multi-layered harmonies and backing vocals, each song impacts on the listener.
10 tracks of this ilk would have made a more consistent and enjoyable record for everyone.
Fabulous without a doubt and flawless in places, but not quite a masterpiece thanks to some self-indulgent instrumentals.
25/08/05: A3000 - firstname.lastname@example.com
31/07/05: Ole Bach - email@example.com
30/07/05: IAN JOHNSON - firstname.lastname@example.com
28/06/05: silver - email@example.com
27/06/05: Paulo - firstname.lastname@example.com
24/06/05: Freddy De Keyzer - email@example.com
Rating: 92
Well, this album kicks ass with no doubt!
Awesome work by the hunters!
I agree that every album is different from each other, but this one is not only different, but also impressive!
Rating: 90
Again Royal Hunt has done a fantastic album and again Andre has writen some great tracks.The album has a more heavy attitude maybe because of the new guitarist,i am looking forward to see them live again.
Rating: 90
Simply stunning , not much left to say really . Any fan of meoldic rock and the band will lap this up .
Rating: 100
Without a dobt, this is the best release this year. This band smokes! Too bad the author of the review above missed the point entirely about the instrumentals: they are in fact jewels and need no vocals at all. John West gets his share with the rest of the songs and he does a fine job indeed!
What's puzzling me though is how come this website is called 'melodic rock' and mainly covers only glam/modern rock and provides very liitle coverage for such acts as Robby Valentine, Chris De Burgh, Zeno, Glory, etc.- bands that define the word melodic.
Rating: 90
Andre Anderssen has been doing nice albuns since forever! This new Royal Hunt shows how nice are all of his songs! He keeps the beautiful melodies, the power chorus in every song. It seems that, in a world like power/prog melodic metal, you must reinvent without losing your main carachters. He's done it! Nice album!
Rating: 89
Another BRILLIANT record from mastermind Andersen ! He's a real keyboardwizard. Simply breathtaking !
And with a vocalist like John West,this is another killer release.
Some attack me for my low ratings, especially if it concerns that child band, called Harem Scarem.
To be honest : if HS would release a killer CD like this one or that from and many others this year, their rating would be the same.
It's just a pity that HS release CRAP in comparison with these acts. They have the talent, but they spoil it with their modern stuff !
This is the real stuff. The kind of hardrock I want to hear !
Very recommended again !
31/07/05: Ole Bach - email@example.com
30/07/05: IAN JOHNSON - firstname.lastname@example.com
28/06/05: silver - firstname.lastname@example.com
27/06/05: Paulo - email@example.com
24/06/05: Freddy De Keyzer - firstname.lastname@example.com


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Tarpline Products
In business since 1994, Tarpline manufactures an extensive line of tarp and tie-down accessories. The company takes great pride in building products that will stand the test of time and uses only the finest materials available.
Hippo Swivel Clip
Ultimate clamping power! The Tarpline Hippo Swivel Clip is made of a heavy-duty nylon material that resists cracking even at ...
Lite Tite Tarp Zip-UP
Peel and stick zipper system -- keeps light and dust out! Tarpline Lite Tite Tarp Zip-Up instantly creates easy access ...
Tarp Tab Gromm-It
This peel and stick Tarp Gromm-It by Tarpline is used to add perimeter grommets for additional tie down points on ...
Dig Deeper (Articles)


text:
Pronounced: Krooz-on SIN-drom
Crouzon syndrome is a genetic disorder. It results in abnormal joining of the bones in the skull and face.
Infants have sutures between the bones in the face and skull. As an infant's brain grows, these sutures allow the skull to expand. These sutures fuse together when we are adults and our skulls and brains are done growing.
In Crouzon syndrome, the bones in the skull and face fuse too early. The skull is then forced to grow in the direction of the remaining open sutures. This causes an abnormally shaped head, face, and teeth.
Normal Open Sutures in Infant Skull (Pink)
Copyright © Nucleus Medical Media, Inc.
Crouzon syndrome is caused by a defect in a specific gene. It is not clear what causes this gene to mutate. Some may be inherited from parents' genes.
Factors that may increase your child's risk of Crouzon syndrome include having:
The main signs and symptoms of Crouzon syndrome include:
Other symptoms and complications that can result from Crouzon syndrome include:
A doctor can usually diagnose Crouzon syndrome based on physical signs and symptoms.
The doctor may need images of the skull, spine, or hands. These can be taken with:
Your doctor may also do genetic testing to confirm the diagnosis.
There is no cure for Crouzon syndrome. Currently, many of the symptoms can be treated with surgery.
Treatment may include:
There are a number of surgeries used to treat the symptoms of Crouzon syndrome. These include:
Orthodontic treatment can help correct the alignment of teeth. It may include braces.
Specialist should monitor infants and children with Crouzon syndrome. These specialists can check for eye and ear problems and treat as necessary.
Children with a mental deficiency or intellectual disability may need special education help.
Cleft Palate Foundation
National Institute of Health
Office of Rare Diseases Research
Health Canada
The Hospital for Sick Children
Abnormal timing in the prenatal ossification of vertebral column and hand in Crouzon syndrome. Am J Med Genet. 2000 Feb 28.
Craniosynostosis. EBSCO DynaMed website. Available at: https://dynamed.ebscohost.com/about/about-us. Updated November 28, 2011. Accessed August 7, 2013.
Crouzon Syndrome. NIH Office of Rare Disease website. Available at: http://rarediseases.info.nih.gov/GARD/QnASelected.aspx?diseaseID=6206. Updated March 24, 2011. Accessed August 7, 2013.
Dalben Gda S, Costa B, et al. Oral health status of children with syndromic craniosynostosis. Oral Health Prev Dent. 2006;4(3):173-179.
Perlyn CA, Morriss-Kay G, et al. A model for the pharmacological treatment of crouzon syndrome. Neurosurgery. 2006 Jul;59(1):210-215.
Last reviewed August 2013 by Michael Woods, MD
Please be aware that this information is provided to supplement the care provided by your physician. It is neither intended nor implied to be a substitute for professional medical advice. CALL YOUR HEALTHCARE PROVIDER IMMEDIATELY IF YOU THINK YOU MAY HAVE A MEDICAL EMERGENCY. Always seek the advice of your physician or other qualified health provider prior to starting any new treatment or with any questions you may have regarding a medical condition.
Copyright © 2012 EBSCO Publishing All rights reserved.
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text:
Para-virtualization in Linux with Xen 3
The Xen virtualization system is is quickly becoming a standard feature of corporate Linux. We'll show you how to get started with the latest version of Xen.
The long-expected Xen version 3 was finally released late last year. Xen, which is sponsored by the University of Cambridge, England, has developed into one of the leading virtualization solutions for Linux. Global Linux players, including Novell, RedHat, HP, IBM, Intel, and AMD, have thrown their support to Xen. Thanks to its excellent performance and low cost, the Xen virtual machine monitor could be the catalyst we have all been waiting for to boost virtualization in Linux. Guest Control The recent evolution of virtual computing has centered on the problem of delivering a virtualized environment with minimal system overhead. So-called full virtualization involves mapping computer chips, such as the CPU or the keyboard controller, to software. Full virtualization makes the virtual machine independent of its physical underpinnings, and is thus very flexible, but the structure necessary to maintain full virtualization adds complexity that significantly affects performance.
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Tag Cloud
An Even Smaller Raspberry Pi
The Raspberry Pi Foundation has announced an even smaller version of the tiny computer that will fit into a DIMM slot.
Newly Discovered Android Vulnerability Causes Privilege Escalation
A new class of problems lets a malicious app pre-configure an invisible privilege update.
Facebook Rolls Out New PHP-like Programming Language
New Hack language adds static typing and other conveniences.
Fedora Announces Innovative Crytography Policy System
New crypto policy system will offer easier configuration and more uniform security.
Shuttleworth Calls for Declarative Firmware
Ubuntu founder denounces insecurity in proprietary, close-source software blobs.
New TLS Attack Takes the S out of HTTPS
Vulnerability affects many Linux web servers
Munich Adopts Kolab
The Bavarian capital shuns Microsoft, Google, and other alternatives to implement an open source groupware solution.
Canonical Announces Ubuntu Smartphones
Phone vendor partnerships bring Mark Shuttleworth's dream of Ubuntu on a phone a step closer to reality.
Piviti Seeks Funding
Donors will get to vote on new features for the free video editor.
Debian Tech Committee Votes for systemd
Debian project puts init out to pasture and says no to Ubuntu's Upstart.


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Thomas the Train 30' Themed Obstacle Courses
It's A Race! with a Thomas the Tank Theme! Burst through the Starting Gate and into the Jumping Area filled with Exciting Pop-Ups. Next Hop Over the Divider into the Land of Horizontal Squeeze-Betweens and Onward to the Climbing Wall Stairs. At the Peak You'll take a quick, deep breath before Zipping Down the Slide and Popping through the Victory Arches. This Compact Obstacle works well for Backyard Birthdays and for smaller School Groups. It also works Great as an Inflatable Playground for 8 to 10 Kids at Once!
Space Needed 34' x 12' and 14' Tall


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Asics Gel Fuji Racer
April 7, 2012 by Bryon Powell · 1 Comment
April 7, 2012 by Bryon Powell · 48101 Commenthttp%3A%2F%2Fwww.irunfar.com%2F2012%2F04%2Fasics-gel-fuji-racer-review.html%2Fasics-gel-fuji-racerAsics+Gel+Fuji+Racer2012-04-08+02%3A02%3A38Bryon+Powellhttp%3A%2F%2Fwww.irunfar.com%2Fwp-content%2Fuploads%2FAsics-Gel-Fuji-Racer.jpg
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Bryon Powell is the Editor-in-Chief of iRunFar.com, which he founded five years ago. Also the author of Relentless Forward Progress: A Guide to Running Ultramarathons and a contributing editor at Trail Runner magazine, he's quickly approaching 10 years as an ultrarunner and 20 years as a trail runner. These days he calls Park City, Utah and its trails home.
All posts by Bryon Powell
Finally I have found a shoe that I would be happy to go back and buy another pair. I have been through dozens of shoes attempting to find a pair that fits best, and this is the one. Wide toe box (great as my feet swell), a great balance of cushion and weight. Dry quickly after river crossings and are a pretty rugged shoe. Well worth it


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We got flooded last year - and part of the renov included gutting up the floor and installing a checkvalve from the street sewar.
In Hindsight, I would have also installed a ball valve right behind that.
So Sandy has come and gone.
Unfortunately, we lost power as well.
The checkvalve did not work at all as we got backup that just coming and coming......
I wad hauling out 5 gal buckets until 3 AM
I hesitated on owning a generator (just due to infrequency of usage - maybe 1X every 3 years) but since have gone ahead and ordered one...
I still have a couple of days....till I pry the cover open to check the door operation, but if anyone can shed some light aside from something restricting the door from closing....as to why it would have failed/let water past the door, I'd love to hear some feedback.
And OR advisable solutions on whatever other plumbing things I could do to prevent the water backup.
Regardless of Sandy or not, it seems more reoccuring that if we get HEAVY water in a short amount of time, the city sewars just can't keep up.
It's not localized to my property but everyone on the block.


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Thursday, April 24, 2014
The Associated Press
PRESCOTT, Ariz. — Nineteen members of the Granite Mountain Hotshots, based in Prescott, Ariz., were killed Sunday when a windblown wildfire overcame them north of Phoenix. It was the deadliest single day for U.S. firefighters since Sept. 11. Fourteen of the victims were in their 20s. Here are the stories of some of those who died:
This undated photo courtesy of the the Woyjeck family shows firefighter, Kevin Woyjeck, right, and his father, Los Angeles County Fire Capt. Joe Woyjeck. Kevin Woyjeck of Seal Beach, Calif., was one of the 19 Granite Mountain Hotshot Crew, who was killed Sunday evening above the town of Yarnell, northwest of Phoenix in the nation's biggest loss of firefighters in a wildfire in 80 years. (AP Photo/Woyjeck Family)
A photo of one of the 19 Granite Mountain Hotshot crew members who were killed fighting a wildfire near Yarnell, Ariz., on Sunday, sits at a makeshift memorial outside the crew's fire station on Monday in Prescott, Ariz.
The Associated Press
Names, ages of killed firefighters
• Andrew Ashcraft, 29
• Kevin Woyjeck, 21
• Anthony Rose, 23
• Eric Marsh, 43
• Christopher MacKenzie, 30
• Robert Caldwell, 23
• Clayton Whitted, 28
• Scott Norris, 28
• Dustin Deford, 24
• Sean Misner, 26
• Garret Zuppiger, 27
• Travis Carter, 31
• Grant McKee, 21
• Travis Turbyfill, 27
• Jesse Steed, 36
• Wade Parker, 22
• Joe Thurston, 32
• William Warneke, 25
• John Percin, 24
Prescott High School physical education teacher and coach Lou Beneitone taught many of the Hotshots, and remembered 29-year-old Andrew Ashcraft as a fitness-oriented student.
"He had some athletic ability in him and he was a go-getter, too. You could pretty much see, from young freshman all the way, he was going to be physically active."
Beneitone said athletic prowess was a must for the Hotshots. "That's what it takes. You gotta be very physically fit, and you gotta like it, gotta like the hard work."
Ashcraft, a member of The Church of Jesus Christ of Latter-day Saints, was honored to be a member of the Hotshot crew, and "he just had a really sweet spirit about him," Elise Smith, a Prescott, Ariz., resident, told The Deseret News of Salt Lake City.
Ashcraft left behind a wife, Juliann, and four children, the newspaper reported.
Friends characterized Robert Caldwell, 23, as the smart man in the bunch.
"He was really smart, he had a good sense of humor," said Chase Madrid, worked as a Hotshot for two years, but sat this year out.
"He was one of the smart guys in the crew who could get the weather, figure out the mathematics. It was just natural for him," Madrid said.
It was Caldwell's intelligence and know-how that got him appointed as a squad boss.
"Bob was a really good friend," added Gina Martinez, who knew many of the Hotshots.
At Captain Crossfit, a gym near the firehouse where the Hotshots were stationed, Travis Carter was known as the strongest one out of the crew — but also the most humble.
"No one could beat him," trainer Janine Pereira said. "But the thing about him, was he would never brag about it. He would just kill everyone and then go and start helping someone else finish."
Carter, 31, was famous for once holding a plank for 45 minutes, and he was notorious for making up brutal workouts.
The crew recently did a five mile run during wilderness training, then he made them go to Captain Crossfit in the afternoon for another really hard workout.
"The other guys who came in here always said that even though he was in charge, he was always the first one at the fire, the first one in action," Pereira said.
Dustin DeFord, 24, tried out for the Hotshot crew in January 2012, telling friends on Twitter that he had passed the physical fitness test and asking for prayers as he moved on to the interview stage of the process.
He moved to Arizona from Montana after he was hired, and he worked to improve his skills on the climbing wall at a gym near the firehouse.
"He listened very well. He was very respectful," said Tony Burris, a trainer at Captain Crossfit. "He kind of had a dry sense of humor."
Another trainer, Janine Pereira, echoed that sentiment.
(Continued on page 2)
click image to enlarge
Unidentified members of the Granite Mountain Interagency Hotshot Crew from Prescott, Ariz., pose together in this undated photo provided by the City of Prescott. Some of the men in this photograph were among the 19 firefighters killed while battling an out-of-control wildfire near Yarnell, Ariz., on Sunday, according to Prescott Fire Chief Dan Fraijo.
The Associated Press


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Just a tiny post to fill you all in with what I am currently undertaking at the moment.
I have started a developmental drawing project where I will use a range of different surfaces and drawing mediums to eventually create a final piece. For this I have to use four objects which can be in a complete contrast to one another; so eventually I had decided to use the following:-
organic – shell
contemporary – a voodoo statue
historical – an owl engraved pocket watch
manufactured – well I'm still undecided about this unfortunately.
Now to start off obviously I wanted to create a range of sketches where i explore what mediums work best together and also work best on different types of surfaces. I decided to use my first object for these little experiments – the shell – and created a nifty fifty sketches.
Not all of them are my best quality but I suppose they were an experiment worth researching and now I know myself to not use some of them ideas again! I have created a slideshow of these and to view a more in depth explanation about each one you can always view my facebook page at https://www.facebook.com/media/set/?set=a.439914156044070.90452.209288559106632&type=1


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Updated: 01/09/2014 - Johnny Manziel announces he's entering the NFL Draft in a letter to Texas A&M fans. Click here to read the letter.
Updated: 09/09/2013 - CBS Sports will add an extra camera for Saturday's game against Alabama to focus on Johnny Manziel.
Posted: 07/08/2013 - Manziel was also named to the watch list for the Paul Hornung Award.
Posted: 03/06/2013 - Texas A&M quarterback Johnny Manziel and his family have taken out an insurance policy to guard against the loss of potential future earnings due to injury, Manziel said Tuesday after the Aggies capped their second day of spring drills.
Posted: 02/18/2013 - Johnny Manziel went to the Super Bowl where he hung out with the guys from Duck Dynasty, was seen with several other SEC players at Mardi Gras in New Orleans and spent part of NBA's All-Star weekend in Houston with rapper and friend Wale.
Updated: 08/07/2013 - DALLAS -- One step inside the Hilton Anatole in Dallas or the Gaylord Texan in Grapevine, and you know it's that time of year: Cotton Bowl time.
Posted: 12/18/2012 - Chalk up another major award for Johnny Manziel.
Updated: 01/21/2013 - Fans finally got the chance to hear from Texas A&M Quarterback Johnny Manziel in Aggieland for the first time since he won the Heisman Trophy.
Updated: 12/11/2012 - After a week on the road, Johnny Manziel returned to Aggieland ready to return to get back to a normal routine. The last seven days have been anything but normal for Texas A&M's red shirt freshman quarterback as he won the Heisman Trophy (2nd Aggie to win it joining 1957 winner John David Crow) Saturday night in New York City.
Updated: 12/11/2012 - Alabama is No. 1 when it comes to All-Americans.
Updated: 12/11/2012 - A few blocks from where he won the Heisman Trophy, Johnny Manziel took another big stage Monday.
Updated: 12/11/2012 - Texas A&M red shirt freshman quarterback Johnny Manziel will wrap up his New York City Heisman commitments Tuesday and will stop by the CBS Broadcast Center to visit with Charlie, Gayle and Norah on Tuesday's CBS This Morning! Johnny is set to chat with the team at approx. 8:30am ET.
Updated: 12/10/2012 - Saturday night Texas A&M quarterback Johnny Manziel become the first freshman to ever win the Heisman Trophy. Johnny had a busy day planned for Sunday, with several appearances scheduled including a visit with Fox and Friends, but did talk with News 3's Darryl Bruffett before his day got underway.
Updated: 12/09/2012 - Saturday night Texas A&M quarterback Johnny Manziel become the first freshman to ever win the Heisman Trophy.
Posted: 12/10/2012 - When you win the biggest individual prize in all of college football and one of the biggest honors in all of sports, you might imagine that the media would want to talk to you.
Updated: 01/10/2013 - Johnny Football just got himself a way cooler nickname: Johnny Heisman.
Updated: 12/08/2012 - Transcript of Johnny Manziel's acceptance speech.
Posted: 12/08/2012 - Quotes from former A&M Players and Staff about Johnny Manziel winning the Heisman Trophy


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Branislav Ivanovic, scorer of the winning goal in Amsterdam, spoke to Chelsea TV shortly after the Europa League trophy was lifted.
In a clip that can be viewed above the defender describes his header going in and speaks about deserving the victory.
The full interview is available now via the channel's online access where there are also post-match interviews with another of the goalscorers, Fernando Torres plus Rafael Benitez, David Luiz, Ashley Cole and Oscar.
Ivanovic was awarded man of the match and speaking after collecting the trophy for that he said:
'It was a great feeling for me. We played all the season very hard and for that we deserved this. It is one of the best moments in my career and the dream of every player to score in a final. All the team, the staff and supporters deserve this cup and we are very happy.
'I missed the Champions League final last season but I said always for me it is firstly about the team. Every player chases the trophy and for this final a couple of guys were injured, and all of us we fight for both trophies.'
Ivanovic insisted the hunger for success at the club will not be diminished.
'Always when you win trophies you want another one and you never stop. In sport you always push forward.'


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Reds ready for Norwich
Preview: Premier League
German star wants United move
The latest footy gossip
Winger improvement
Jarvis shines against Arsenal
Win! Man United VIP tickets
Get the Old Trafford treatment
How Tony surprised us all
Palace secure safety
Royals holding on
Blog: Despite a disappointing run of form, especially at home at the Madejski, Reading are still clinging onto the final play...
Benfica closing in on title
In another busy weekend of fixtures in the European leagues, Benfica could win the Primeira Liga title, while the race for th...
All is not lost
Blog: Despite the disappointment of losing on penalties against Arsenal in their FA Cup semi-final, Wigan Athletic still have...
Grant: Glovers can survive
It has been a tough season as expected for Yeovil Town in the Championship, but with four games remaining they need victories...
Arsenal fight back
Blog: After fading in the Premier League and getting knocked out of the Champions League, it was almost clear to Arsenal supp...
The future of Saido
Blog: After such a promising start to the season for West Bromwich Albion striker Saido Berahino, things haven't progressed a...
Good Friday for Burnley?
Sky Bet Championship side Burnley will be hoping it's a Good Friday for them as win for the Clarets against Blackpool, couple...
Crucial clash at Rugby Park
In another busy weekend of Scottish Premiership fixtures, one of the most important fixtures comes at Rugby Park where two re...
United to beat Blues to star
We check out the latest footy gossip...
Newcastle vs Sunderland
Shoot's Henry Clare takes another look at one of the biggest rivalries in world football - between English Premier League tea...
Premier League
- Reds ready for Norwich
- German star wants United move
- Winger improvement
- Win! Man United VIP tickets
- How Tony surprised us all
- Royals holding on
- All is not lost
- Grant: Glovers can survive
- Good Friday for Burnley?
- Tykes win six-pointer
League 1
- Good Friday for Burnley?
- Tykes win six-pointer
- Confidence will be key
- Wolves make instant return
- Arsenal face the holders
League 2
- Good Friday for Burnley?
- Wolves make instant return
- Clarets hoping for promotion
- Addicks secure vital win
- Charlton host crucial clash
- German star wants United move
- Benfica closing in on title
- Crucial clash at Rugby Park
- United to beat Blues to star
- United agree Carvalho deal
Win! Man United VIP tickets
Win two VIP tickets for Manchester United's Premier League match against Sunderland at Old Trafford....
Newcastle vs Sunderland
Shoot's Henry Clare takes another look at one of the biggest rivalries in world football - between English Premier League teams Newcastle United and Sunderland...
Lynch feels lucky
St Patrick's Athletic new boy Lee Lynch firmly believes that his dream of becoming a professional footballer would not have been possible if he had stayed in Ireland....
Profile: James Milner
Shoot's James Keith takes a look at another player that impressed in the weekend's fixtures - Manchester City midfielder James Milner...
The future of Ligue 1
With just a few matches of the Ligue 1 season left, and with the title seemingly already wrapped up, some people are already starting to look ahead to next season, which could be another highly competitive season in France's top flight......
Win! Manchester United Museum Experience
Manchester United are offering a great day out for families as throughout April, the club Museum is offering free entry to all visitors....
Reds' new look
Behind the scenes footage of Philippe Coutinho, Kolo Toure, Jordan Henderson and Simon Mignolet revealing the Warrior Liverpo...
Guardiola: Bayern can improve
Bayern Munich manager Pep Guardiola says his side can improve despite wrapping up a 24th Bundesliga crown on Tuesday night....
Mourinho: We want to win
Chelsea boss Jose Mourinho looks ahead to Tuesday's Champions League last-16 second-leg tie with Galatasaray....
Guardiola: Kroos is awesome
Ahead of tonight's Champions League last-16 second leg clash with Arsenal, Bayern Munich boss Pep Guardiola talks about this ...
Rodgers: next-gen vital
Liverpool manager Brendan Rodgers talks about the importance of bringing through the next generation of footballers at Anfiel...
Kasper: worst dressed Foxes
Leicester City goalkeeper Kasper Schmeichel names and shames his worst dressed team-mates....
A couple of points on this. Firstly he only scored one against West Ham and only 3 goals from open play in the Prem all season. The last of these was in that West Ham game in December and so no goals this year. I think it is far to early to say that he is a proven goal scorer at this level. And to compare him to Raheem Sterling maybe right in terms of his off field antics, but he is far away from the player Sterling is. On top of the misdemeanours that are mentioned above, he fell out with Uwe Rosler at Brentford and seems not to have endeared himself to the other Albion players with his "Billy Big Boots" attitude and immature twitter comments. Berahino still has much to prove and it is quite conceivable that he could be the next David Bentley, plying his trade for some obscure club overseas. He needs to wake up.
I don't like when people talk about so-called "easier" run ins. Every game in the Premiership is tough so can you refrain from the idea, Arsenal have a easier fixture run in. As for the criticism of Arsenal against Wigan, I agree totaly. Did Fabianski actualy make a save apart from the penalty shoot out? Er no! Did Ben Foster make crucial saves on a regular basis to keep Wigan in the game? Er yes he did. Did Wigan hit the post twice and have an effort cleared of the line? Er no. Arsenal deserved the win Wigan were fortunate to reach penalties, but as you highlighted, the English media and pundits, were hallucinating.
Totally agree, I couldn't have put it better myself.
No Dave Watson in Safc team? Nuts.
Really enjoyed this article and I share your sentiments about Hull City always 'doing it the hard way' and their modest record in cup competitions. We would be well down any list of clubs with that 'great cup tradition'. But that's what makes our current FA Cup success so extra special. At Wembley at the weekend the big day was genuinely appreciated, you could see the passion, delight and even suprise, in the eyes of the Tiger Nation. One thing's for sure, City fans will make the very most of their visit to Wembley for the FA Cup Final. It's the fact we haven't been to a final before that will make it such a memorable day, we will soak up every minute! After all, it's our duty in a way, many of us will have been brought to watch City for the first time by dads, grandads, brothers, susters, mothers, uncles, aunts and close friends, many of whom are no longer with us. So do it for Hull. Do it for all those who supported over 110 years and could only dream of the Premier League, FA Cup Final and City of Culture status, all wrapped in one bundle over the last few months. It never was dull in Hull, but let's enjoy these rays of sunshine whilst we can and long may it continue. But live the moment and live the dream. #CTWD #for those who never heard the Premier League bell and never saw us at Wembley


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Lower Your Monthly Payment
Can refinancing lower your monthly mortgage payment?
Let us help you explore your options and learn if refinancing is an option for you.
If you are looking to lower your monthly mortgage payment, you might want to consider refinancing. Learn about refinancing from the nation's #1 home refinance lender.
What are the benefits of refinancing?Show Details
When interest rates drop, refinancing may be the right choice for your financial situation. Consider the following advantages of refinancing to a lower interest rate:
Increased cash flow.
- Your loan's monthly payment typically decreases with a lower interest rate.
- With a lower payment, you can use the extra funds for retirement savings, paying other debts, saving money for college, or other purposes.
Potential to switch to a different loan type.
- If you have an adjustable-rate (ARM) or a balloon mortgage, reduced interest rates may make a fixed-rate mortgage more desirable, especially if you want the stability of an interest rate that does not change over time.
- If you have a long time left on your mortgage, lower interest rates may make it possible to switch to a shorter-term mortgage.
- You can pay the principal balance down and build equity faster.
- You are may pay less interest over the life of the loan with a shorter term loan.
- If you have a jumbo loan you may be able to refinance to a "blended jumbo" (Mortgage + Home Equity Financing).
Opportunity to access the equity in your home.
- While you're lowering your interest rate, you may want to consider using the equity in your home to pay for major purchases or to make home improvements.
- This type of loan is known as a cash-out refinance.
See how much available equity you have for a cash-out refinance with a Free Refinance Analysis.
How can I decide if refinancing may be right for me?Show Details
Before you decide to refinance to repay your loan faster, consider the following so that you make a well-informed decision:
What are the estimated costs?
When you refinance, you may pay:
If you're an existing Wells Fargo Home Mortgage customer, you may be eligible for a streamlined refinance with no closing costs, application, or appraisal fees.1
Find out more about our streamlined refinance.
You may be eligible for a reduced reissue or refinance rate on your title insurance if the property's current policy was issued recently. Ask your title or closing agent if you qualify.
Does my loan have prepayment penalties?
How long will I stay in my home?
How can I determine the break-even point?
What financing basics should I understand?Show Details
If you obtain a loan to lower your monthly payment you will repay more than you borrowed. In addition to your interest rate, term and loan amount, how much you repay is determined by several factors. Here are the components you need to know:
|Interest rate
|Discount points
|Origination charge
|Loan term
Remember that interest rates only tell part of the story. The total cost of a mortgage is reflected by the interest rate, discount points, and origination charges. This total cost is known as the annual percentage rate (APR), which is typically higher than the interest rate. The APR enables you to compare mortgages of the same dollar amount by considering their total annual cost.
Your monthly mortgage payment is typically made up of four parts:
Depending upon your property location, property type and loan amount, you may incur other monthly or annual expenses such as mortgage insurance, flood insurance, and homeowners association fees.
What should I know about refinancing for a lower mortgage payment?Show Details
A drop in interest rates can mean lower monthly payments. When you refinance, you can:
Eliminate private mortgage insurance (PMI)
Access the equity in your home without reapplying (if you qualify)
Refinance to a longer-term loan
Pay discount points to reduce your interest rate
Plan for an interest rate change in an adjustable-rate mortgage (ARM)
What criteria are used to assess my application?Show Details
When your application is complete, we review the following four components:
Learn more about establishing and improving your credit
Current debts and credit history:
- Do you pay your bills, loans, credit cards, and other debts on time?
- We examine your payment habits before deciding to loan you money.
- Your credit history and credit score are also examined prior to deciding to loan you money.
- It's a good idea to check your credit history and correct any problems before applying.
Assets and available funds:
- Do you have enough funds for closing costs?
- You may use funds from a savings account, certificate of deposit (CD), investments, and retirement fund.
- In some cases, you may be able to use a gift from a relative, friend, employer, or not-for profit organization.
- In many cases you will also have to demonstrate that you have additional funds in your accounts to cover several months of mortgage, tax, and insurance payments.
The property:
- What is the market value of the property?
- We will order a property appraisal to make sure your property's value meets our underwriting requirements.
Responsible lending guidelines
We approve applications where we believe the borrower has the ability to repay the loan or line of credit according to its terms. We use two ratio-based guidelines to evaluate your ability to repay.
Debt-to-income ratio:
Housing-expense-to-income ratio:
Even if you fall within the 28%/36% rules of thumb, make certain that you feel comfortable making your monthly mortgage, insurance and tax payments and the payments on all your other monthly obligations. Homes have other costs — such as utilities, maintenance and repairs — that may not exist if you rent.
What can I do if I'm having trouble making my payments?Show Details
If you are facing payment challenges, don't wait another day. We're here to help you understand your options.
|Home Equity
|If you're struggling to make your monthly payments, or think you may have difficulty making payments in the future, find out about possible options that may allow you to keep your home in our Get Help with Payment Challenges section.
|The Wells Fargo Home Equity Assist program was created to help home equity customers through difficult times. If you're having financial difficulties, you may be eligible for a reduced monthly payment or gain more time to repay your loan.
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Origination Charge
One amount that includes all charges (other than discount points) that all loan originators (lenders and brokers) involved in the transaction will receive for originating the loan. This includes any application, processing, underwriting fees, and payments from the lender to the broker for origination.
Title Insurance
An insurance policy that protects a lender and/or homebuyer (only if homebuyer purchases a separate policy, called owner's coverage) against any loss resulting from a title error or dispute. On a refinance, if the property has had a recent title insurance policy, a homeowner may sometimes be eligible for a reduced rate on the title insurance (also known as the reissue or refinance rate).
Private mortgage insurance (PMI) is insurance written by a private company that protects the lender from losses in the event the borrower defaults on the mortgage. Borrowers are required to pay the premium for private mortgage insurance. Private mortgage insurance limits a lender's exposure to financial loss resulting from loan default. If you make a down payment of less than 20%, even if you have a good credit profile, lenders generally require private mortgage insurance.
If you are a servicemember on active duty, prior to seeking a refinance of your existing mortgage loan, please consult with your legal advisor regarding the loss of any benefits you are entitled to under the Servicemembers Civil Relief Act or applicable state law.
1 Closing documents must be witnessed and notarized. You may need to pay a minimal fee to a notary public.